18.66 USD
-0.21 (-1.11%)
DCOMP gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. DCOMP may be in some trouble as it scores bad on both profitability and health. DCOMP is evaluated to be cheap and growing strongly. This does not happen too often!
1. Profitability
1.1 Basic Checks
In the past year DCOMP was profitable.
In the past year DCOMP had a positive cash flow from operations.
DCOMP had positive earnings in each of the past 5 years.
DCOMP had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
DCOMP's Return On Assets of 0.35% is on the low side compared to the rest of the industry. DCOMP is outperformed by 84.75% of its industry peers.
Looking at the Return On Equity, with a value of 3.46%, DCOMP is doing worse than 83.20% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.35% | ||
| ROE | 3.46% | ||
| ROIC | N/A |
ROA(3y)0.63%
ROA(5y)0.66%
ROE(3y)6.98%
ROE(5y)7.38%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
DCOMP has a Profit Margin of 12.99%. This is amonst the worse of the industry: DCOMP underperforms 80.88% of its industry peers.
DCOMP's Profit Margin has declined in the last couple of years.
DCOMP does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 12.99% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-34.16%
PM growth 5Y-25.74%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
DCOMP does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, DCOMP has more shares outstanding
Compared to 5 years ago, DCOMP has more shares outstanding
DCOMP has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of DCOMP is 1.22, which is an excellent value as it means it would take DCOMP, only 1.22 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 1.22, DCOMP is doing good in the industry, outperforming 61.50% of the companies in the same industry.
A Debt/Equity ratio of 0.19 indicates that DCOMP is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.19, DCOMP is in line with its industry, outperforming 45.22% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 1.22 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.86%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 52.38% over the past year.
Measured over the past years, DCOMP shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -10.35% on average per year.
DCOMP shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.69%.
The Revenue has been growing by 13.39% on average over the past years. This is quite good.
EPS 1Y (TTM)52.38%
EPS 3Y-8.69%
EPS 5Y-10.35%
EPS Q2Q%110.34%
Revenue 1Y (TTM)13.69%
Revenue growth 3Y-7.72%
Revenue growth 5Y13.39%
Sales Q2Q%29.37%
3.2 Future
The Earnings Per Share is expected to grow by 43.56% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 24.06% on average over the next years. This is a very strong growth
EPS Next Y75.02%
EPS Next 2Y56.24%
EPS Next 3Y43.56%
EPS Next 5YN/A
Revenue Next Year33.87%
Revenue Next 2Y24.79%
Revenue Next 3Y24.06%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 8.33, which indicates a very decent valuation of DCOMP.
DCOMP's Price/Earnings ratio is rather cheap when compared to the industry. DCOMP is cheaper than 93.02% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.41, DCOMP is valued rather cheaply.
DCOMP is valuated cheaply with a Price/Forward Earnings ratio of 5.10.
Compared to the rest of the industry, the Price/Forward Earnings ratio of DCOMP indicates a rather cheap valuation: DCOMP is cheaper than 96.90% of the companies listed in the same industry.
DCOMP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 35.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.33 | ||
| Fwd PE | 5.1 |
4.2 Price Multiples
DCOMP's Price/Free Cash Flow ratio is rather cheap when compared to the industry. DCOMP is cheaper than 95.35% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.66 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
DCOMP's earnings are expected to grow with 43.56% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.11
PEG (5Y)N/A
EPS Next 2Y56.24%
EPS Next 3Y43.56%
5. Dividend
5.1 Amount
DCOMP has a Yearly Dividend Yield of 7.25%, which is a nice return.
Compared to an average industry Dividend Yield of 3.15, DCOMP pays a better dividend. On top of this DCOMP pays more dividend than 97.67% of the companies listed in the same industry.
DCOMP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.25% |
5.2 History
The dividend of DCOMP has a limited annual growth rate of 3.41%.
DCOMP has been paying a dividend for over 5 years, so it has already some track record.
DCOMP has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)3.41%
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
97.59% of the earnings are spent on dividend by DCOMP. This is not a sustainable payout ratio.
The dividend of DCOMP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP97.59%
EPS Next 2Y56.24%
EPS Next 3Y43.56%
DIME COMMUNITY BANCSHARE - DCOM 5 1/2 PERP
NASDAQ:DCOMP (12/4/2025, 4:16:31 PM)
18.66
-0.21 (-1.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners84.94%
Inst Owner ChangeN/A
Ins Owners3.34%
Ins Owner ChangeN/A
Market Cap818.99M
Revenue(TTM)386.38M
Net Income(TTM)50.20M
Analysts85.45
Price Target23.52 (26.05%)
Short Float %0.01%
Short Ratio0.81
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.25% |
Yearly Dividend1.1
Dividend Growth(5Y)3.41%
DP97.59%
Div Incr Years0
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-6.26%
Min EPS beat(2)-12.72%
Max EPS beat(2)0.2%
EPS beat(4)1
Avg EPS beat(4)-5.77%
Min EPS beat(4)-12.72%
Max EPS beat(4)0.2%
EPS beat(8)2
Avg EPS beat(8)-8.27%
EPS beat(12)4
Avg EPS beat(12)-7.08%
EPS beat(16)6
Avg EPS beat(16)-4.91%
Revenue beat(2)1
Avg Revenue beat(2)-0.43%
Min Revenue beat(2)-2.48%
Max Revenue beat(2)1.61%
Revenue beat(4)1
Avg Revenue beat(4)-13.25%
Min Revenue beat(4)-45.99%
Max Revenue beat(4)1.61%
Revenue beat(8)3
Avg Revenue beat(8)-7.08%
Revenue beat(12)4
Avg Revenue beat(12)-6.06%
Revenue beat(16)8
Avg Revenue beat(16)-2.27%
PT rev (1m)-8.5%
PT rev (3m)-3.85%
EPS NQ rev (1m)-1.49%
EPS NQ rev (3m)-5.14%
EPS NY rev (1m)-3.44%
EPS NY rev (3m)-3.1%
Revenue NQ rev (1m)3.71%
Revenue NQ rev (3m)4.04%
Revenue NY rev (1m)2.05%
Revenue NY rev (3m)-0.17%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.33 | ||
| Fwd PE | 5.1 | ||
| P/S | 2.12 | ||
| P/FCF | 3.66 | ||
| P/OCF | 3.57 | ||
| P/B | 0.56 | ||
| P/tB | 0.63 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.24
EY12%
EPS(NY)3.66
Fwd EY19.62%
FCF(TTM)5.1
FCFY27.35%
OCF(TTM)5.23
OCFY28.03%
SpS8.8
BVpS33.09
TBVpS29.47
PEG (NY)0.11
PEG (5Y)N/A
Graham Number40.84
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.35% | ||
| ROE | 3.46% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 12.99% | ||
| GM | N/A | ||
| FCFM | 57.97% |
ROA(3y)0.63%
ROA(5y)0.66%
ROE(3y)6.98%
ROE(5y)7.38%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-34.16%
PM growth 5Y-25.74%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 1.22 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 554.66% | ||
| Cap/Sales | 1.45% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 446.17% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC17.86%
ROIC/WACCN/A
Cap/Depr(3y)379.66%
Cap/Depr(5y)N/A
Cap/Sales(3y)1.5%
Cap/Sales(5y)N/A
Profit Quality(3y)244.47%
Profit Quality(5y)197.86%
High Growth Momentum
Growth
EPS 1Y (TTM)52.38%
EPS 3Y-8.69%
EPS 5Y-10.35%
EPS Q2Q%110.34%
EPS Next Y75.02%
EPS Next 2Y56.24%
EPS Next 3Y43.56%
EPS Next 5YN/A
Revenue 1Y (TTM)13.69%
Revenue growth 3Y-7.72%
Revenue growth 5Y13.39%
Sales Q2Q%29.37%
Revenue Next Year33.87%
Revenue Next 2Y24.79%
Revenue Next 3Y24.06%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y29.27%
FCF growth 3Y-14.08%
FCF growth 5Y6.84%
OCF growth 1Y28.52%
OCF growth 3Y-12.2%
OCF growth 5Y7.2%
DIME COMMUNITY BANCSHARE - DCOM 5 1/2 PERP / DCOMP FAQ
What is the ChartMill fundamental rating of DIME COMMUNITY BANCSHARE - DCOM 5 1/2 PERP (DCOMP) stock?
ChartMill assigns a fundamental rating of 4 / 10 to DCOMP.
What is the valuation status of DIME COMMUNITY BANCSHARE - DCOM 5 1/2 PERP (DCOMP) stock?
ChartMill assigns a valuation rating of 8 / 10 to DIME COMMUNITY BANCSHARE - DCOM 5 1/2 PERP (DCOMP). This can be considered as Undervalued.
What is the profitability of DCOMP stock?
DIME COMMUNITY BANCSHARE - DCOM 5 1/2 PERP (DCOMP) has a profitability rating of 2 / 10.
Can you provide the expected EPS growth for DCOMP stock?
The Earnings per Share (EPS) of DIME COMMUNITY BANCSHARE - DCOM 5 1/2 PERP (DCOMP) is expected to grow by 75.02% in the next year.
Is the dividend of DIME COMMUNITY BANCSHARE - DCOM 5 1/2 PERP sustainable?
The dividend rating of DIME COMMUNITY BANCSHARE - DCOM 5 1/2 PERP (DCOMP) is 6 / 10 and the dividend payout ratio is 97.59%.